LOAN PROCESS
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Moving In
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Buying a home may feel daunting, but when you break it down step by step; it's not as difficult as it seems.
Before you begin your home search, your first step is to seek to be prequalified for a loan. You only need to complete a loan application with a loan officer to achieve this. However, if you will share documentation like your paystubs and tax returns, the loan officer can complete a more comprehensive review. This will enable them to give you better feedback as to your true potential to be approved for the loan.
FROM CONTRACT TO CLOSING
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In our internet based world, people often feel they no longer need a realtor to help them buy a home. While it's possible to buy and sell without a realtor, they really do add value to their clients. Seek the representation of a realtor you trust; you'll be glad you did.
Once you are prequalified and find the home you desire, you will go under contract to purchase it. It is at this point that the loan process really begins. Standard duration from date of file submission to closing is 22 business days.